SCLS has been working closely with the community for over 15 years. In working with our youth and families over these many years, second chance realized the need for stabilization for the whole family unit. In this realization, it was brought forth that we needed to ensure stable and affordable housing as well as a chance to realize the American dream of home ownership.
In working with financial industry professionals, second chance opted for a Housing Pilot program in 2005 that would enable individuals and families with poor or little credit a chance to rebuild credit and purchase a home. With the rolling out of this program, we decided to advocate with the potential home buyers or program enrollees, which we walked the buyer through the process of educating them on credit as well as the home buyer process.
The mission of Second Chance Life Skills is to assist those in need of Affordable, Clean, Safe and Habitable Housing. We envision a community that respects all of its Citizens and Households, regardless of their level of Ability and or Income.
Our programs are designed to aid those who are Economically, Physically, and Mentally challenged, giving them a First or Second chance to achieve Independence and Self-Sufficiency. To address the needs of some of our community’s most vulnerable people,
We offer the following programs:
We help and Assist Economically Challenged, Low Income to Moderate Income, Mobility Challenged and Disabled Persons and Families with providing Safe, Adequate, Affordable and Available Housing to Rent or Provide Lease To Purchase Options. This Program provides housing through donations from Banks, Credit Unions or Privately owned existing Single Family and Multi Family Units and Renovate to City, Hud and or County Specifications. Ensuring Families and Individuals are provided similar opportunities of more advantaged families and Individuals.
The Program affords Very Low Income to moderate income individuals and families to be able to afford a lower monthly rent that can be manageable while seeking to achieve bettering their financial and living situations. Upon verifying the Individuals or Families qualify for this program, they must attend our Financial Literacy Workshops and Classes (for more information on the financial literacy program visit www.thepromlandintl.com) to ensure success and put the families and individuals on the road to Home Ownership and helping to establish and clean up any credit issues that may prohibit them from obtaining fair housing opportunities as well as any other financial assets. With the completion of the workshops and classes, individuals and families are more pruned of succeeding in our rental or lease to purchase program with learning Pre and Post Purchase Education. Our Communities are strengthened and Families and Individuals Empowered.
We provide Affordable and Safe Single Family Homes for Purchase to Low Income to Moderate Income Individuals and Families. Homes are provided through donations from Banks, Credit Unions, Businesses and or Private
Individuals or Business. When Grants or any other Financial means are available, Existing homes will be purchases and when possible we will provide New Construction Homes. The program Locates and Identifies Urban and Rural Areas and Properties that will cater to Low and Moderate Incomes. We work with Individuals and Families that are interested in purchasing immediately as well as in future scenarios by providing Lease With Option To Buy at 3 to 5 Year Options. By utilizing this option, Individuals and Families are afforded the opportunity to save for any out of pocket expenses that are or would be associated with purchasing a home.
The potential buyer is also afforded the opportunity to see if home ownership is best for them by choosing this program of lease with option to buy. It also allows for the potential buyer and family to get acquainted with being responsible for their own repairs, etc. By utilizing the Lease with option to buy, a portion of the potential buyers’ rent will go toward down payment and or closing costs. The program also allows for a good Rental (Occupancy) History that banks and creditors look for. Upon verifying the Individuals or Families qualify for this program, they must attend our Financial Literacy Workshops and Classes (for more information on the financial literacy program visit www.thepromlandintl.com) to ensure success and put the families and individuals on the road to Home Ownership and helping to establish and clean up any credit issues that may prohibit them from obtaining fair housing opportunities as well as any other financial assets. The Financial Literacy Program ensures a higher success ratio of Individuals and Families will Purchase and Retain their homes or properties at length.
Second Chance Life Skills and The Promised Land International Offers Credit and Home Buyer Education to give you the information and confidence you need in order to make your next move in the direction of Home Ownership. We offer 1 day to multiple education classes and workshops. When attending these workshops, rest assured that the information you are receiving is Industry Sufficient. We have counselors and associates to answer any concerns or issues that pertain to Credit Scores, History, Payment History, Home Education, Down Payment, Closing Costs, Appraisals, Title Companies and much more.
Second Chance would like to give special thanks and recognition to The Wells Fargo REO Community Development and Urban Stabilization program